In this Australian Retirement Podcast episode, James O’Reilly sits down with Chris Bates, co-host of the Australian Property Podcast and strategic mortgage broker, to discuss how debt plays a role in retirement planning.

They explore:

– What makes debt “good” or “bad” as you approach retirement

– When to pay down your mortgage vs boost your super

– Using equity smartly to build retirement wealth

– Common pitfalls with property in SMSFs

– How retirees can use debt to stay flexible and avoid panic selling

– What makes a great mortgage broker and how to keep banks honest

If you’re heading toward retirement or just want smarter debt strategies, this one’s for you.

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Topics Covered

– Understanding Good vs Bad Debt in Pre-Retirement

– When Investment Property Debt is a Mistake

– Downsizing Decisions: Beware of Upgrading Instead

– Debt as a Lever to Boost Retirement Outcomes

– How to Structure Loans Pre-Retirement

– When Retirees Should Hold (Not Pay Off) Debt

– Property in SMSFs: The Hidden Risks

– Super vs Mortgage: Where Should Extra Money Go?

– Avoiding the Loyalty Tax from Lenders

– How to Choose a Mortgage Broker That Works For You

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DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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